US Patent No: 5,974,146

Number of patents in Portfolio can not be more than 2000

Real time bank-centric universal payment system

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Abstract

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An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
DATATREASURY CORPORATIONPLANO, TX16
HEWLETT-PACKARD COMPANYPALO ALTO, CA2952

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bartlett, Rick Saratoga, CA 2 288
Ercole, Richard Westerville, OH 2 288
Fontana, Fabio Mountain View, CA 6 289
Fredelake, Jodie M Columbus, OH 2 288
Geer, Terry L Baltimore, OH 8 934
James, David L Biloxi, MS 11 512
Lampru, Paul Roswell, GA 2 288
Murphy, Robert W Layfayette, CA 10 409
Randle, William Bexley, OH 2 288
Roman, Dennis Novato, CA 2 288
Rosenberg, Ruth Layfayette, CA 5 341
Tran, Tuong T Mountain View, CA 2 288

Cited Art Landscape

Patent Info (Count) # Cites Year
 
BMC RESOURCES, INC. (2)
5,652,786 Automated interactive bill payment system 268 1996
5,715,298 Automated interactive bill payment system using debit cards 210 1997
 
CONNOTECH Experts-conseils, inc. (1)
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ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1371 1989
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
5,465,206 Electronic bill pay system 763 1993

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
THE WESTERN UNION COMPANY (40)
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7,165,052 Payment service method and system 22 2001
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7,398,252 Automated group payment 33 2001
7,266,533 Electronic gift greeting 14 2001
7,158,955 Electronic identifier payment systems and methods 59 2001
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7,107,249 Electronic identifier payment systems and methods 94 2002
7,096,205 Systems and methods for enrolling consumers in goods and services 10 2002
7,130,817 Electronic gift linking 18 2002
8,374,962 Stored value payouts 0 2003
8,244,632 Automated transfer with stored value 0 2003
7,184,989 Staged transactions systems and methods 12 2003
7,103,577 Systems and methods for staging transactions, payments and collections 24 2003
7,117,183 Airline ticket payment and reservation system and methods 22 2004
7,641,109 Money transfer cards, systems and methods 3 2005
7,392,940 In-lane money transfer systems and methods 3 2005
8,672,220 Money transfer system and method 0 2005
8,706,640 Systems and methods for enrolling consumers in goods and services 0 2006
8,150,763 Systems and methods for staging transactions, payments and collections 0 2006
8,515,874 Airline ticket payment and reservation system and methods 0 2006
7,512,552 Electronic gift linking 20 2006
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7,716,128 Electronic indentifier payment systems and methods 3 2007
7,753,267 In-lane money transfer systems and methods 4 2008
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7,941,342 Wide area network person-to-person payment 0 2008
7,941,346 Wide area network person-to-person payment 0 2008
7,937,292 Wide area network person-to-person payment 8 2008
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8,851,371 In-lane money transfer systems and methods 0 2013
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8,682,667 User profiling for selecting user specific voice input processing information 0 2010
8,713,021 Unsupervised document clustering using latent semantic density analysis 0 2010
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8,781,836 Hearing assistance system for providing consistent human speech 0 2011
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CHECKFREE CORPORATION (23)
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7,809,617 Payment processing with selection of a risk reduction technique 0 2003
7,702,583 Payment processing with selection of an electronic debiting option 44 2003
7,653,598 Payment processing with selection of a processing parameter 5 2003
7,657,484 Electronic bill presentment via a wide area communications network 6 2003
7,729,996 Reuse of an EBP account through alternate authentication 3 2004
7,778,901 Integrated electronic presentment and payment of bills by different entities 7 2005
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7,606,787 Propagating data to facilitate electronic payments to payees 5 2005
7,644,036 Credit card supported electronic payments 4 2006
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8,781,959 Systems and methods for generating payment due notifications 0 2011
 
OUTERWALL INC. (20)
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6,957,746 Apparatuses and methods for dispensing magnetic cards, integrated circuit cards, and other similar items 31 2003
7,014,108 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 30 2003
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7,131,580 Coin counter and voucher dispensing machine and method 31 2005
7,748,619 Card dispensing apparatuses and associated methods of operation 6 2005
7,331,521 Methods and apparatuses for purchasing telephone calling card minutes using an electronic commerce kiosk and for conducting other forms of electronic commerce 27 2006
7,464,802 Method and apparatus for conditioning coins prior to discrimination 15 2006
7,303,119 Coin counter and voucher dispensing machine and method 29 2006
7,520,374 Coin discrimination apparatus and method 21 2007
7,527,193 Coin counter and voucher dispensing machine and method 4 2007
8,332,313 Methods and systems for exchanging and/or transferring various forms of value 1 2008
7,874,478 Coin counter and voucher dispensing machine and method 19 2009
8,103,586 Methods and systems for exchanging and/or transferring various forms of value 2 2009
8,024,272 Methods and systems for exchanging/transferring gift cards 7 2010
8,038,059 Card dispensing apparatuses and associated methods of operation 2 2010
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FIRST DATA CORPORATION (10)
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7,593,898 Method and system for payment transactions and shipment tracking over the internet 38 1999
7,463,946 Mail handling equipment and methods 6 2005
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7,941,664 Account-based digital signature (ABDS) system using biometrics 1 2006
7,797,235 On-line cash register to use in providing a consumer-to-consumer payment service 1 2007
7,765,148 Method and system for facilitating payment of an online auction transaction 13 2007
7,783,571 ATM system for receiving cash deposits from non-networked clients 40 2007
7,610,222 Method for providing a money transfer service through a payment enabler system 12 2007
8,788,429 Secure transaction management 0 2009
 
MICROSOFT CORPORATION (9)
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 362 1997
6,304,857 Distributed electronic billing system with gateway interfacing biller and service center 134 1998
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7,636,689 Consumer-based system and method for managing and paying electronic billing statements 5 2004
7,610,245 Consumer-based system and method for managing and paying electronic billing statements 5 2004
 
CHECKFREE SERVICES CORPORATION (7)
7,792,749 Dynamic biller list generation 9 2000
7,953,660 Method and system for payment processing 2 2001
7,502,749 Method and system for making a monetary gift 7 2001
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7,660,766 Technique for information flow to payees 6 2003
8,620,782 Inter-network electronic billing 0 2009
8,595,100 Inter-network financial service 0 2009
 
METAVANTE CORPORATION (6)
7,945,491 Integrated systems for electronic bill presentment and payment 3 2000
7,734,543 Electronic bill presentment and payment system 4 2001
7,370,014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 5 2001
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8,751,384 Integrated bill presentment and payment system and method of operating the same 0 2002
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SOFTBANKBB CORPORATION (6)
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UNITED PARCEL SERVICE OF AMERICA, INC. (6)
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8,732,093 Systems and methods for enabling duty determination for a plurality of commingled international shipments 0 2011
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
7,711,639 Pre-funding system and method 3 2005
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8,571,977 Method and system for providing seller bank receivable discounting aggregation services 0 2005
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VISA U.S.A. INC. (6)
7,822,679 Method and system for conducting a commercial transaction between a buyer and a seller 3 2001
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DIEBOLD, INCORPORATED (5)
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GOLDMAN, SACHS & CO. (5)
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ACCENTURE GLOBAL SERVICES LIMITED (4)
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ORACLE INTERNATIONAL CORPORATION (4)
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BIOMETRIC PAYMENT SOLUTIONS, LLP (3)
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ZILOS NETWORKING LIMITED LIABILITY COMPANY (3)
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CCIP CORP. (2)
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CONVERGEX GROUP, LLC (2)
7,769,658 Commission management system 1 2009
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Integrated Technological Systems, Inc. (2)
8,321,347 Integrated technology money transfer system 2012
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JPMORGAN CHASE BANK, N.A. (2)
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MAZOOMA TECHNICAL SERVICES, INC. (2)
7,720,764 Method, device, and system for completing on-line financial transaction 6 2008
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PAYPAL INTERNATIONAL LIMITED (2)
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PROGRESSIVE CASUALTY INSURANCE COMPANY (2)
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UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (2)
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E.E. SYSTEM CORPORATION (1)
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HUNTINGTON BANCSHARES INCORPORATED (1)
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III HOLDINGS 1, LLC (1)
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INTEL CORPORATION (1)
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OneCore Financial Network, Inc. (1)
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Simplus (Proprietary) Limited (1)
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SKYDECK CORPORATION (1)
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STANDARD CHARTERED UK HOLDINGS LIMITED (1)
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TROY GROUP, INC. (1)
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Unpaid Systems, Ltd. (1)
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Other [Check patent profile for assignment information] (9)
8,296,228 Dual transaction authorization system and method 4 2000
7,587,368 Information record infrastructure, system and method 65 2001
7,734,527 Method and apparatus for making secure electronic payments 9 2002
7,748,614 Transaction system and method 33 2007
RE42820 Bank deposit method 0 2009
8,302,852 Money management network 0 2010
8,600,830 System and method for providing a payment to a non-winning auction participant 1 2010
8,229,855 Method and system for facilitating payment transactions using access devices 0 2011
RE43888 Bank deposit method 0 2011